国家助学贷款的信用风险的防范与化解

摘  要
文章介绍了我国现行的国家助学贷款制度诞生背景、内容、特点和发展历程，也谈及美国类似性质贷款的发展状况。着重讨论了现行国家助学贷款的信用风险，并分析其成因。从政府、银行、高校和借款学生四个角度分析探讨了可能的防范与化解办法，最后提出对国家助学贷款的调整策略和规划。文章提出，一个合理健康的国家助学贷款体制应该是由政府进行立法规划，由商业银行进行主要的管理工作，各个高校起到监督贷款学生职能的形式。这样既控制了国家助学贷款的信用风险，也满足了各方的相关利益，还保证了国家助学贷款体系的稳定运行，实现了政府保障贫困大学生顺利完成大学学业的政策目的，保证了受到高等教育机会的公平性，促进社会主义和谐社会的建设。
【关键词】 国家助学贷款  信用风险  还款意愿  还款能力
The Prevention and Solution
For Credit Risk of National Student Loans

Abstract

This paper not only introduces the current system of national student loans with its background, content, feature and the history of its development, but also presents something about the student loans of United States. It mainly talks about the Credit Risk of National Student Loans and analyses the reason why does it happen. It also analyses the possible solution to this question from the sight of government, bank, university and student. At the end of this issue, it provides some suggestion and plans for the Loan. It was concluded that a suitable system of national student loans should include legislation from government, management from bank and supervision from university. Thus it can control the credit risk of national student loans, satisfy the relative, and ensure the steadiness of the system. It also can achieve the goal of justice of education opportunities and the policy for the poor, and it is helpful to build socialistic harmonious society.
【Key words】National Student Loans  Credit Risk  Repayment ability Repayment Ability

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